No. of Recommendations: 0
There's no requirement when you make the HSA withdrawal.
I understood your plan. Where we differ--and differences are what make a market--is that I consider withdrawing to pay for incidentals, whether currently or accumulated into a single larger withdrawal, being money no longer available for use on major expenses, to be suboptimal. Doing the incidentals in the end game when you're going to die "tomorrow" would be viable under my plan, but I intend to go suddenly and without warning, yelling "Wahoo, what a ride."
More seriously than that last, money remaining in your HSA when you die is money your heirs or other beneficiaries could inherit, although the rules for handling the HSA by the inheritor vary broadly depending on who the inheritor is.
Eric Hines
